Applying for a mortgage goes more smoothly – and faster – when you have your documentation ready before your lender asks for it.
Income documentation
- Recent pay stubs (typically the last 30 days)
- W-2s or 1099s from the past two years
- Tax returns, especially if self-employed
Asset documentation
- Bank statements from the last two to three months
- Statements for retirement or investment accounts if you’ll use them for reserves
- A clear paper trail for any large deposits, which lenders will ask you to explain
Identification and credit
- A government-issued photo ID
- Your Social Security number for the lender’s credit pull
Save yourself time
Gathering these documents before you apply – rather than scrambling once requested – is one of the easiest ways to keep your pre-approval and closing timeline on track.
Ready to start the loan application process? Call Dockside Realty at 850.225.9785 or email christine@docksiderealtyinc.com and we’ll connect you with a trusted local lender.